MONI is building the bridge between the now and the future of banking and financial services. Our mission is to provide simple low-cost mobile personal banking tools for everyone, everywhere – and credit in real-time. We do not believe in the anarchy of destructing the old, we believe in future-proof evolution. We are building a hub connecting the current banking, payment and credit provisioning systems to new technologies such as cryptocurrencies. Our technology reduces system complexity, cuts out middlemen, reduces costs for all parties, and decreases fraud. MONI technology, accessible from any feature or smartphone, enables every citizen to identify themselves and provides them with basic financial services. Our technology works today, on any carrier network, anywhere in the world.